Today it was 36 degrees with 10-20 mph winds here in Ohio, the wind chill was at 26 degrees. I was surprisingly extremely comfortable for the entire ride (26 miles) except for my saddle, but that's another story.

Here's what I wore on the bottom;
leg warmers
wool socks and trail running shoes
athletic capri pants under long cold weather running pants
On the top:
arm warmers
long sleeve jersey
performance fleece jacket
gore wind-stopper jacket
glove liners and fingerless cycling gloves
and earband and of course, my helmet.

When my fingers got cold, I just alternated sticking my hands in pockets (not yet coordiinated enough to ride no-hands, especially in the wind!) and they warmed right up.

It sounds like a lot doesn't it? I feel like I could be comfortable in this gear even at lower temps if there were no wind.

One thing I think I would add if it got much colder is a smart-wool or merino wool midlayer.

And, the good thing is the headwind was on the way out, and the tailwind on the way back, how sweet is that?

Is there anything you can do to take hot drinks with you on the bike using the bottle cage?

Colleen